Fed Rate Cut Creates Strategic Window for North Idaho Real Estate Market

The Federal Reserve's 0.25% rate cut yesterday creates a strategic window for North Idaho real estate activity. With mortgage rates dropping to approximately 6.25%—their lowest point in months—both buyers and sellers across Kootenai, Bonner, Shoshone, and Benewah counties should understand how this shift impacts their opportunities. Current market conditions show 1,243 active listings in Kootenai County (up 10% year-over-year) with median prices holding steady at $545,000. This balanced market environment, combined with lower borrowing costs, presents unique advantages for different buyer segments—from West Coast relocators leveraging equity to first-time buyers finally seeing affordability relief.